The Three C's - Coffee, Clothes & Credit Cards

FootyFanDan

Sarahwithlove said:

Thanks to monzo today was my payday. So I shuffled the money to the various pots both on monzo and ynab. I've given myself a clothing budget with some of the overtime funds and put £100 into the savings as well as usual £250 into Sinking funds. 

I have a good personal spending budget, football funds for away tickets and good food budget for healthy eating. I've realised I need to be sensible with my spending but also give myself a quality of life. 

My fave monzo feature tbh I absolutely love monzo and just everything about it. 

It is about finding that right balance I think, we also have pretty healthy personal spends budget and most of mine does end up going on football. I know this is about money saving and stuff but you also have to be able to enjoy yourself too. Life isn't just about the debt payoff - as long as you are happy and consistent with payments and the overall balance coming down then living a bit is good for you

Sarahwithlove

FootyFanDan said:

Sarahwithlove said:

Thanks to monzo today was my payday. So I shuffled the money to the various pots both on monzo and ynab. I've given myself a clothing budget with some of the overtime funds and put £100 into the savings as well as usual £250 into Sinking funds. 

I have a good personal spending budget, football funds for away tickets and good food budget for healthy eating. I've realised I need to be sensible with my spending but also give myself a quality of life. 

My fave monzo feature tbh I absolutely love monzo and just everything about it. 

It is about finding that right balance I think, we also have pretty healthy personal spends budget and most of mine does end up going on football. I know this is about money saving and stuff but you also have to be able to enjoy yourself too. Life isn't just about the debt payoff - as long as you are happy and consistent with payments and the overall balance coming down then living a bit is good for you

Thanks Dan. Footy is important to me and others might not understand it but everyone has their own hobbies and thats mine. 

Monzo is fab! So glad I made the switch to it. I'm happy with the levels my debts are going down for now. By the new year i should have a better savings buffer and can look at making overpayments on the loans.